First Naturalstate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Naturalstate Bank of McGehee, AR against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.25% | -0.09% | 41st below |
| ROAE | 7.85% | 12.22% | -4.37% | 23rd bottom |
| Net Interest Margin | 4.11% | 3.95% | +0.16% | 59th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 63.60% | 63.71% | -0.11% | 42nd below |
| PPNR / Avg Assets | 1.48% | — | — | 42nd below |
| Yield on Earning Assets | 6.07% | 5.67% | +0.40% | 71st above |
| Cost of Funds | 2.23% | 1.87% | +0.36% | 24th bottom |
| Net Interest Spread | 2.91% | — | — | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.50% | 0.88% | -0.38% | 46th below |
| NPA / Total Assets | 0.40% | — | — | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 27th below |
| ACL / Total Loans | 1.55% | — | — | 81st top |
| ACL / NPLs (Coverage) | 312.50% | — | — | 60th above |
| Texas Ratio | 2.59% | 5.96% | -3.37% | 51st above |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.36% | 17.18% | +7.18% | 87th top |
| Tier 1 Ratio | 24.36% | 17.21% | +7.15% | 87th top |
| Total Capital Ratio | 25.62% | — | — | 87th top |
| Leverage Ratio | 15.55% | 11.75% | +3.80% | 89th top |
| Equity / Assets | 14.36% | 10.98% | +3.38% | 86th top |
| TCE / Tangible Assets | 14.36% | — | — | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.26% | 80.44% | +16.82% | 15th bottom |
| Core Deposit Ratio | 89.20% | 86.95% | +2.25% | 51st above |
| Wholesale Funding Ratio | 1.49% | — | — | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.80% | — | — | 73rd above |
| Loan Growth (Y/Y) | 15.52% | — | — | 86th top |
| Deposit Growth (Y/Y) | 5.99% | — | — | 64th above |
See First Naturalstate Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Naturalstate Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Naturalstate Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Naturalstate Bank peer analysis.